>> guest: the past several years people feel like we have the economic prevalent of hurricane sandy. let the people are doing is here are some sandbags come here is an umbrella. do what we say and you will be fine. they are the ones selling of the umbrellas and the sandbags that say that you are going to be fine and. >> guest: she said she wouldn't go to the stock market herself and set up the money had navigator newsletter with a small mutual fund adviser getting amazing results allow easier to get great results when you are doing that. david ramsey has told people they could expect of% on their returns but they did that in 2012 that was one year. that isn't a number of people has ever gotten to the other thing that he's done which i find amazingly hurtful he is urging people not to declare bankruptcy and this is an important point you have to talk about those for a minute to beat bankruptcy access for a reason. you may not like it and no one wants to declare bankruptcy. we know the status and full of people riding of the credit cards and the bankruptcy and the startup businesses wh